106 Clover Ct, Galt, CA 95632 Property Records

Sacramento County property record for 106 Clover Ct, Galt, CA 95632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,262 sqft · built 1989
Lot Size	0.185 acres (8,060 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Oct 2022)
Tax Bill	$5,084 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148-0440-005-0000`

Property Details

APN / Parcel Number

Primary APN	`148-0440-005-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,262 sqft Living Area
1st Floor Area	1,262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	8,060 sqft (0.185 acres)
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	106 CLOVER CT
City	GALT
State	CA
Zip	95632-2361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	MCFARLAND PLACE, LOT 47
Legal Subdivision	MCFARLAND PLACE
Legal Lot Number	47
Jurisdiction	SACRAMENTO CA
Township / Civil Division	GALT
Census Block Group	2
Census Block	2009
Census Tract	9502

Owner

Source: Sacramento County records, as of September 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	106 CLOVER CT, GALT, CA 95632-2361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2025	Deed of Trust, Mortgage · FHA Mortgage OUTAMATION INC
Oct 17, 2022	Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2022 · Amount on Record
Deed Sale	Oct 17, 2022 · Amount on Record
Prior Sale	Apr 21, 2011 · Amount on Record
Deed Book / Page	20221017 / 197
Prior Transfer Date	Nov 14, 2001
Prior Transfer Doc	2001000167
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	106 CLOVER CT, GALT, CA 95632-2361
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 CLOVER CT, GALT, CA 95632-2361

Mortgage

Document Number	0000000007
Date	Aug 13, 2025
Instrument	202508130007

Lender

Name	OUTAMATION INC
Type	Non-Lending Institution
Address	SOUTHLAKE, TX 76092

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Nov 1, 2052

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Oct 17, 2022
Property Address	106 CLOVER CT, GALT, CA 95632-2361
Document Number	0000000197
Map Reference	MB 183 MAP 20
Instrument Date	Oct 14, 2022
Instrument	2022101700197
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 CLOVER CT, GALT, CA 95632-2361
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000198
Date	Oct 17, 2022
Instrument	2022101700198

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Mortgage

Document Number	0000000199
Date	Oct 17, 2022
Instrument	2022101700199

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95834

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Dec 9, 2052

Tax Assessment & Valuation

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Galt City
Elementary School District	Galt Joint Union Elementary School District (KG - 08)
Secondary School District	Galt Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$451,013 (+2%) Land $143,263 Building $307,750
2025	$5,084.00 (+4.48%)	$442,170 (+4.04%) Land $140,454 Building $301,716
2024	$4,866.00 (+1.71%)
2023	$4,784.00 (+178.95%)	$425,000 Land $135,000 Building $290,000
2022	$1,715.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1982–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2021 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GALT serves 26,536 people · EPA ID CA3410011
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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